not being necessarily equipped to do that. dylan scott from "talking pointsmemo,"nancymetcalffrom"consumer reports." thank you so much. david axelrod, former senior adviser with president barack obama, now an nbc news analyst and director of the chicago institute of politics. david, what is your feeling about this, the coverage that the health care law has gotten in the last few weeks? >> well, look, some of it is self-inflicted because the website hasn't functioned properly. and you know, part of the problem here is that people haven't been able to go on to the website and learn that they could get a better deal. on the other hand, many of these people aren't even being informed in these letters that they have that opportunity or that it's buried in the fine print, and that, you know, that's unacceptable. that's deceptive. and i do think that, you know, there is -- you know, chris, you're an experienced journalist -- there tends to be kind of a herd mentality in coverage. >> yep. >> and now the story is, well, the website's not working, now the letters are out there. and i have

memo"andnancymetcalf, senioreditor at "consumer reports," where she covers health care reform. dylan, i'll start with you. great piece of reporting, and one of the things i found amazing is the way in which the letter from the insurance company announcing the cancellation of coverage is designed to essentially very quickly and slyly roll someone over into a much more expensive plan without actually communicating what their options are. >> exactly. i mean, there are two problems here as far as consumer advocates and state regulators are concerned, and that is, the letters from insurers are leaving out two critical pieces of information. one, that people have the option to go to the marketplace and shop for insurance, both from these insurers and from other insurers. and two, that if they take these kind of default options that these insurers are presenting in the letters, they're not going to be able to take advantage of the financial assistance that obama care has to offer. so, for example, the woman that we reported on today in washington, the difference between what her insu